We admit that most people do not look forward to figuring out financing while shopping for their next vehicle. A lot of the car-buying experience can be a ton of fun: you get to look at different models, imagine the features you will enjoy in the years ahead, and take a vehicle for a test drive to see how it handles. However, looking at your budget, figuring out finances, and considering the terms of different loans and leases is not what many people consider a good time. That is exactly why we are here to help you: our financing experts love looking at the numbers, considering your options with you, and helping you get the right loan with the best terms.
You deserve to work with people who will focus on your needs and provide you with helpful, straightforward assistance as you shop for your next vehicle. No matter what kind of Chevrolet financing you are interested in, here at Future Chevrolet of Sacramento, we can help you figure it all out. Even if you already have a loan offer from your bank or another lender, we can look at all of your options with you to ensure you are getting the best terms possible. Call or come visit us at Future Chevrolet of Sacramento today to learn more and put us to work for you.
How Can a Dealership Help Me with Financing?
In general, a good dealership will help you explore your financing options, answer all of your questions, and discuss things with you so that you understand every step of the process. Car financing is not always as simple and straightforward as it should be, and some lenders seem to put a lot of energy into making things unnecessarily difficult and confusing. With one of our financing professionals by your side, we can help you cut through all the needless jargon and confusion to understand everything that is involved.
Best of all, we will work with you to explore all of the Chevy financing options available to you and help you choose the right one. There can be huge differences in the loan terms offered by different lenders, so having as many options as possible makes it easier to find the best terms. Since we handle everything with you all at once, you do not have to worry about numerous inquiries hurting your credit score; we make everything simple and convenient and go above and beyond to get you the best loan or lease possible.
What Do I Need to Know About Car Loans?
The vast majority of people who purchase a vehicle use a loan to help them pay for their next Chevy car, truck, or SUV. Understanding all of the details of any loan offer is absolutely crucial for ensuring you get the best terms and know what is expected of you as you pay it back. Here at Future Chevrolet of Sacramento, we are always happy to answer any questions you have, so please contact us today for more information. That being said, here are some answers to common questions that can help you as you consider your financing options.
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Can I get a loan with bad credit?
Yes, even if you have bad credit, you still have options available to you for financing your next vehicle. While you might not get as many loan offers as someone with great credit, there are still plenty of ways we can help you find a great loan to get you the vehicle you need.
How does interest work?
Interest is an extra amount, beyond what you borrow, that you pay back as a way to incentivize a lender to provide you with a loan. The higher the interest rate, the more you pay beyond what you borrow--the lower the rate, the less you pay back. We will help you get the lowest interest rate possible when taking out a loan.
How is my monthly payment determined?
Car loans use something called "amortization" to figure out what you will pay overall across the lifetime of a loan, including interest, and then split that total amount evenly across the repayment term. This is how your monthly payments are determined. There are simple online tools available to help you estimate what payments would be for a given loan amount, interest rate, and repayment term.
What Do I Need to Know About Leasing a Car?
While most people get a loan to buy a vehicle, for others, a lease can be the perfect way to enjoy everything a brand-new Chevy offers. With a lease, you get to drive a new Chevy for several years, making reasonable monthly payments, and at the end of the lease, you return the vehicle. This is the perfect choice if you want to get the most from a new car without making a long-term commitment, and many people go from one lease to the next in order to drive a new car every few years without being tied to one for a long time.
How long does a lease last?
This will depend on the specific terms of your lease. Most Chevy leases are for 36 months, but you can choose a lease length that suits your car ownership needs. Many of our customers sign 24-month or 48-month leases, and there are other options available.
Are there any restrictions on what I can do?
Yes, the specific terms of your lease will indicate some restrictions, such as not permanently altering the vehicle with a new speaker system or exhaust. In addition, lease terms will indicate a maximum mileage for each year that you are driving the vehicle. However, mileage limits can be negotiated, and you can add more miles to the basic agreement if needed.
What happens when the lease ends?
When your lease ends, you will be notified ahead of time and need to bring your vehicle for an inspection. If any issues need to be fixed, you must address them before you return your vehicle. Assuming all is well, you bring your vehicle back to us when your lease ends, finish some final paperwork, and you are free to do as you please. You can lease a new vehicle, shop for something to buy, or simply walk away.
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Future Chevrolet of Sacramento Is Here for You
When shopping for your next vehicle, you deserve to work with people who will listen to you and respond to your needs--that is exactly what you will find with us at Future Chevrolet of Sacramento. Our salespeople are friendly and knowledgeable, and they will answer all your questions and help you find the right Chevy with everything you have been looking for. We make the financing process simple and pain-free, and our certified service center and parts department will be here for many years to come in order to help you keep your Chevy running beautifully for a long time.
Find Your Next Vehicle Today!
You deserve to have a car-buying experience that is tailored to your needs, with salespeople and financing experts who will prioritize what you are looking for. We know that the financing process can be stressful; even if you are in a good situation financially, figuring everything out and filling out the paperwork can still be a hassle. That is why we are here to help simplify the process and make everything as painless and easy as possible, so you can get on the road and start enjoying your new vehicle right away. You can get started right now by filling out the finance application on our website or by contacting us with any questions you have. Call or come visit us at Future Chevrolet of Sacramento today to discover how easy shopping for a car and figuring out financing can be.